1. L35 – Savings Account Life-Cycle
Process Diagram

2. Purpose, Benefits, and Key Process Steps
The purpose of this scenario is to describe and support the testing of the entire savings account life cycle, from contract creation to account closure, including the business partner functionalities that are needed for this scenario.
Benefits
This scenario describes the most common steps involved in a savings account life cycle in enough detail for them to be executed.
Payment engine integration.

3. Purpose, Benefits, and Key Process Steps
Creating or changing business partners
Creating or changing savings accounts
Creating a notice on amount and optionally receive payment via Direct Debit
Creating or changing posting locks
Creating a payment order
Changing an account holder
Changing the product of an existing account
Conducting end-of-day processing
Account closure process

4. Required SAP Applications and Company Roles
SAP Banking Service 8.0
SAP CYT MANAGEMENT 7.0
Company Roles
Back office

5. Detailed Process Description
Savings Account Life-Cycle with Payment Engine
Entire account life cycle, from contract creation to account closure, including the business partner functionalities that are needed for this scenario.
Account closure process with account closure order with transfer to reference account at an external bank when the account balance is positive or receive funds when it is negative.
Using Payment Engine for SEPA Direct Debit when account balance is negative and transfer the positive account balance through SWIFT.

6. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (1/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office 1
Creating a Business Partner A
Maintain Business Partner B
Maintain CYT data BG
Checking Posting/System date C
L85 DM in Bank Analyzer
Creating a Savings Account D
Managing Conditions H
Notice on Amount Rules E
L85 DM in Bank Analyzer
next page

7. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (2/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Creating a Credit Payment Item for Notice on Amount F
Creating a Mandate G
Creating a Payment Transaction Order for SEPA Direct Debit I
L81 Using Payment Engine for SDD
Creating a Notice on Amount Order with Payment Advice BH
Notice on amount – International Payment Transfer BO
Notice on amount – Transfer to external account via SEPA Credit Transfer BP
Checking a Forward Order BI
Displaying Balances and Key Figures BJ
next page

8. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (3/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Setting Locks for a Business Partner J
Displaying an Account K
Creating a Credit Payment Item to Generate a Posting Control Order L
Assigning Users to a Worklist BK
Processing a Posting Control Order in the PCO BL
Changing a Lock M
Creating and Executing an Order for the Account Holder Change O
Displaying an Account N
Displaying an Account P
next page

9. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (4/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Creating a Payment Order BM
Creating a Payment Item for Currency Exchange Q
Displaying Balances and Key Figures R
Simulating an Account Settlement AA
L85 DM in Bank Analyzer
Setting Posting Date for Payment Transaction AO
Setting Posting Date for End-of-Day Processing AP
Executing Due Product Changes AQ
next page

10. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (5/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Displaying an Account AR
Executing Forward Orders AT
Create a Payment transaction Order for Domestic Bank Transfer/SEPA SCT BQ
L82 Using Payment Engine for Credit transfer (SWIFT & SEPA)
Displaying a Payment Item AU
Create a Payment transaction Order for International Bank Transer BR
Setting Posting Date for Payment Transaction AW
Setting the Posting date for End-of-Day Processing AX
Executing a Settlement AY
next page

11. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (6/8)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Setting Posting Date for Payment Transaction AZ
Setting Posting Date for End-of-Day Processing BA
Executing Due Account Closures BB
L85 DM in Bank Analyzer
Changing an Update Entry Indicator BC
L34 Lifecycle Current Account
next page

12. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (7/8)
Icon
Name
Entire account life cycle BP
BCA_DATE_POST_SET/BCA_DATE_EOD_SET
BCA_CN_ACCT_01
BCA_CN_ACCT_02
Icon
Name
BCA_PAYMITEM_CREATE
BCA_MANDATE_CRED_01
BCA_CN_ACCT_02
BCA_PO_CREATE
BCA_OR_NOW
BCA_PO_FO_DISPLAY
BCA_CN_KFG
Icon
Name
BCA_DEH_EVENT_CRE_BU
BCA_CN_ACCT_03
BCA_PAYMITEM_CREATE
PCO_WL_ASS_MAINTAIN
PCO02
BCA_DEH_EVENT_CHANGE
BCA_OR_CAH 1 F J A G K B L H BG I BK C BH BL D BI M E BJ N O P

13. Process Flow Diagram
Savings Account Life-Cycle with Payment Engine (8/8)
Icon
Name
BCA_PO_CREATE
BCA_PAYMITEM_CREATE
BCA_CN_KFG
BCA_ACBAL_ACC_S
BCA_DATE_POST_SET
BCA_DATE_EOD_SET
BCA_COP_TEV_BCA_BOCP
Icon
Name
BCA_CN_ACCT_03
BCA_PO_FO_MULTI
BCA_PAYMITEM_MAINTN
BCA_DATE_POST_SET
BCA_DATE_EOD_SET
BCA_ACBAL_ACC_M
Icon
Name
BCA_DATE_POST_SET
BCA_DATE_EOD_SET
BCA_OR_TOC_PP_BOTC
BCA_SB_ITEMS_02 BM AR AZ Q AT BA R AU BB AA AW BC AO AX AP AY AQ

14. Detailed Process Description
Savings Account Life-Cycle without Payment Engine
Entire account life cycle, from contract creation to account closure, including the business partner functionalities that are needed for this scenario.
To conduct a savings account life cycle, there are two mandatory steps: account creation and account closure.
All other steps are optional and mostly independent from each other. Therefore, the scenario attempts to join all the most common processes that could be activated during the business relationship between a bank and a customer.

15. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (1/6)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office 1
Creating a Business Partner A
Maintain Business Partner B
Checking Posting/System date C
L85 DM in Bank Analyzer
Creating a Savings Account D
L85 DM in Bank Analyzer
Managing Conditions H
Notice on Amount Rules E
Creating a Credit Payment Item F
Creating a Notice on Amount Order with Payment Advice BH
Checking a Forward Order BI
Displaying Balances and Key Figures BJ
next page

16. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (2/6)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Setting Locks for a Business Partner J
Displaying an Account K
Creating a Credit Payment Item to Generate a Posting Control Order L
Assigning Users to a Worklist BK
Processing a Posting Control Order in the PCO BL
Changing a Lock M
Creating and Executing an Order for the Account Holder Change O
Displaying an Account N
Displaying an Account P
next page

17. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (3/6)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Creating a Payment Order BM
Creating a Payment Item for Currency Exchange Q
Displaying Balances and Key Figures R
Simulating an Account Settlement AA
L85 DM in Bank Analyzer
next page

18. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (4/6)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Setting Posting Date for Payment Transaction AO
Setting Posting Date for End-of-Day Processing AP
Executing Due Product Changes AQ
Displaying an Account AR
Executing Forward Orders AT
Displaying a Payment Item AU
Setting Posting Date for Payment Transaction AW
Setting the Posting date for End-of-Day Processing AX
Executing a Settlement AY
next page

19. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (5/6)
Banking Services from SAP
Banking Services from SAP Bank Analyzer
SAP Payment Engine
SAP Capital Yield Tax
Back Office
Back Office
Back Office
Back Office
previous page
Setting Posting Date for Payment Transaction AZ
Setting Posting Date for End-of-Day Processing BA
Executing Due Account Closures BB
L85 DM in Bank Analyzer
Changing an Update Entry Indicator BC
L34 Lifecycle Current Account
next page

20. Process Flow Diagram
Savings Account Life-Cycle without Payment Engine (6/6)
Icon
Name
Entire account life cycle BP
BCA_DATE_POST_SET/BCA_DATE_EOD_SET
BCA_CN_ACCT_01
BCA_CN_ACCT_02
BCA_PAYMITEM_CREATE
BCA_OR_NOW
BCA_PO_FO_DISPLAY
BCA_CN_KFG
Icon
Name
BCA_DEH_EVENT_CRE_BU
BCA_CN_ACCT_03
BCA_PAYMITEM_CREATE
PCO_WL_ASS_MAINTAIN
PCO02
BCA_DEH_EVENT_CHANGE
BCA_OR_CAH
Icon
Name
BCA_PO_CREATE
BCA_PAYMITEM_CREATE
BCA_CN_KFG
BCA_ACBAL_ACC_S
Icon
Name
BCA_DATE_POST_SET
BCA_DATE_EOD_SET
BCA_COP_TEV_BCA_BOCP
BCA_CN_ACCT_03
BCA_PO_FO_MULTI
BCA_PAYMITEM_MAINTN
BCA_ACBAL_ACC_M
Icon
Name
BCA_DATE_POST_SET
BCA_DATE_EOD_SET
BCA_OR_TOC_PP_BOTC
BCA_SB_ITEMS_02 1 J BM AO AZ Q A K AP BA B L R AQ BB C AA BK AR BC D BL AT E M AU F N AW H O AX BH P AY BI BJ

21. Appendix

22. Process Diagram Legend
Lane
Process Step
Interface
Manual Process Step A
Optional Manual Process Step A
User Role
<name>* ≈
Process Step Outside Scope Item Scope A A
User Interface (UI) 1
Process Step (manual or automatic) 1 A
Optional Process Step (manual or automatic) 1 A
Interface 1
Batch Script
Automatic Process Step 1
Optional Automatic Process Step 1
Process Step Outside Software
Optional Process Step Outside Software
Connection
Link
Events
Gateways
Sequence flow 1
Inline / Standalone
Page Link
Incoming Link
Data flow
XOR 1
(<BBID>) Link to SAP Best Practices Process or Scope Item
Outgoing Link
Documents OR 1
Timer Event
Output Document
Accounting Document
AND A
Icon for the Link to SAP Best Practices Process or Scope Item 1
Message
Complex**
* <name>: SAP System (PPMS name), or non-SAP System, or lane for steps outside software
** Combination of XOR, AND, OR

23. Thank you